Can Fin Homes — bank emi (extra penalty charge)

Address:

Phase 8B Ind. Are. Near PTC NEWS ofice, Mohali, Punjab, 160059

Dear sir
Your can fin bank lone provide for 200000 rs, in dec 2013,
And 1st emi start on date 20/01/2014 and last emi on date 20/12/18)
1st emi auto cut in my account (20/01/14)
2nd emi not auto cut in my account (20/02/14)
(No any msg & mail)
(Bank not give any intimation to me about this issue. I finished all my emi in december 2018 and bank give information about this in july 2019)

I will pay only e. M. I amount for rs. 4500 and not pay any penalty. Which was occurred without any my fault